Seasons Card Terms & Conditions
These Terms & Conditions apply to your Seasons Prepaid Visa Card and your online e-account
associated with the Card. Please read them carefully. You can download a copy of these Terms &
Conditions at any time from our website (www.seasonstravelcard.com).
If you have any questions you can contact Customer Services by:
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Telephone: 0333 202 3641 (calls are charged at standard geographic rates);
Email: [email protected];
Online: log in to your e-account at www.seasonstravelcard.com and click on Contact Us to
send us a secure message;
Mobile App: click on Contact Us in your Seasons mobile app and send us a message;
Post: 1st Floor, Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL.
Your Card is issued by Contis Financial Services Limited, Navigation House, Belmont Wharf,
Skipton, North Yorkshire, BD23 1RL, which is authorised by the Financial Conduct Authority under
the Electronic Money Regulations 2011 (registered number 900025) as an e-money issuer.
1. What is a Seasons Card?
A Seasons Prepaid Visa Card (“Card”) is a prepaid payment card that can be used worldwide
wherever Visa is accepted. It can be used online or offline, pay for something or withdraw cash from
a cashpoint machine.
You can use your online e-account to make transfers to other bank accounts and set up standing
order.
2. What is a prepaid card?
A prepaid card is different from a credit card or a bank card. It is not linked to your bank account, but
instead allows you to access money that you have ‘prepaid’ or ‘topped-up’ onto it. You can only
spend money that you have prepaid onto your Card, so before using it you need to make sure it has
enough funds loaded onto it. Monies that you prepay onto the Card are not bank deposits and do
not earn interest.
3. Who can apply for a Seasons Card?
You must be at least 18 years old and a UK resident to be issued with a card.
4. Can I order an extra Card on my account for someone else?
You will be issued with two cards on your account. You may allocate one of the cards to an
additional cardholder or you may keep the additional card as a spare.
You can request a third card for an additional cardholder and you will be charged a fee as detailed
in the Fees and Limits table (section 34). Additional cardholders must be at least 13 years old. By
requesting an additional cardholder, you agree for us to issue them a card and for them to authorise
transactions on your behalf.
You agree to honour all transactions carried out by any additional cardholder and that you will be
responsible for the use of the additional card and for any applicable fees and charges the additional
cardholder may incur.
An organisation can also order cards for others, for example for its employees.
5. How can I apply for the Card?
You can apply on our Website (www.seasonstravelcard.com).
Before we issue you a card we may require evidence of your identity and residential address and
we may also need to carry out checks on you electronically. If your card is funded by an
organisation we may require some documentary evidence to prove this.
6. How do I get started?
As soon as you receive your card you must sign the signature strip on the back.
You will then need to activate your card. You can do this:
 by logging into your e-account;
 by sending us an SMS text message on 07770 500500;
 by calling our Customer Services team on 0333 202 3641 and choosing option 2; or
 by mobile app.
You also need to obtain your PIN to authorise chip-and-pin transactions and cashpoint machine
withdrawals. You can get your PIN by calling Customer Services when you activate your card or
through your e-account and mobile app.
By activating your card you are agreeing to these Terms & Conditions. Your card must be activated
within 36 months of it being issued or it will be automatically cancelled and your account will be
closed.
If you have ordered a card for someone else, it is your responsibility to give them the information
required to activate the card and retrieve the PIN. If they start using the card we will take this as
confirmation that you have communicated these Terms & Conditions to them and that they have
accepted them.
7. What if I want to change my PIN?
If you want to change your PIN, you can do so at any cashpoint machine with the Visa logo in the
UK. You can get a reminder of your PIN through your e-account, mobile app or by calling Customer
Services.
8. How do I add funds to the Card?
You or your organisation (if applicable) may load funds onto your card by transfers from a bank
account, a load by a UK issued debit card and any other method notified on our website from time to
time. Your card cannot be loaded by a balance transfer from a credit card.
A fee may apply for each load you make, please refer to the Fees and Limits table (section 34).
Certain minimum and maximum load limits apply to your card; such limits are detailed in the Fees
and Limits table. We reserve the right to refuse to accept any particular loading transaction if we
suspect any fraudulent activity or in the event of other exceptional circumstances.
As soon as we receive the funds that you have loaded, they will be on your card and ready to use.
You can request to receive an SMS notification when funds are loaded onto your card, a fee
applies, please refer to the Fees and Limits table (section 34).
9. How do transactions work?
The first step will be to follow the instructions of the merchant or cashpoint machine to authorise a
transaction. A transaction is authorised when you:
 enter your PIN or provide any other security code;
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sign a sales voucher;
provide your Card details and/or any other details as requested; or
wave or swipe the Card over a card reader.
Like other payment cards, we cannot guarantee a retailer or cashpoint machine will accept your
card.
As soon as a transaction is authorised we will deduct the value of your transaction from the balance
on your card. At the same time we will deduct any fees that apply to the transaction. See the Fees
and Limits table (section 34) for more information.
Once we have received authorisation for a transaction we will transfer funds to the retailer within 3
days. A transaction will be received as follows:
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for purchases and cashpoint machine transactions, at the time we receive the transaction
instruction from the retailer or cashpoint machine operator;
for other transactions that are communicated directly to us, at the time you ask us to complete
the transaction or if after 2.30pm for same day bank transfers (CHAPS) and 5pm for other bank
transfers the instruction will be deemed to have been received by us on the following business
day.
10. Can I cancel a transaction I have made?
Generally, authorisation for a transaction may not be withdrawn by you. However, you may be able
to withdraw your authorisation where you have authorised a transaction which will take place on a
future date. In this situation, to withdraw your authorisation, you must notify the retailer before the
close of business on the business day before the day on which the transaction was due to take
place and provide us with a copy of the notice. We may charge you an Administration Fee if a
transaction is revoked by you under this paragraph (see the Fees and Limits table (section 34)).
11. Can I pay for things in a foreign currency?
Your Card is denominated in British Pounds Sterling. If you make a purchase or an cashpoint
machine withdrawal in any other currency we will convert the sum into Pounds Sterling using the
exchange rate set by Visa on the day they process the transaction. An international transaction fee
will apply to each of these transactions (see the Fees and Limits table (section 34)).
Any changes to the exchange rate used to convert foreign transactions will be made immediately.
You can find the exchange rate for a transaction made in a currency other than British Pounds
Sterling on a given date at: http://www.visaeurope.com/en/Cardholders/exchange_rates.aspx.
12. Is there anything I can’t buy with my Card?
You may not use your card for illegal purposes. It also cannot be used for a limited number of
specified transactions. Please see our website for details www.seasonstravelcard.com/hintsandtips.
13. How can I check my account?
You can check your account by accessing it through our mobile app or our website
(www.seasonstravelcard.com). Your statement will show:
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information on the payee of each card transaction;
the amount of the card transaction shown in the currency in which the transaction was paid or
debited to the account;
the amount of charges for the transaction; and
the date the transaction is authorised or posted on to the account.
Paper statements are available on request and are subject to a fee (see the Fees and Limits table
(section 34)).
You can also choose to use our SMS service to request your balance on your mobile phone and
set-up SMS notifications for when money is loaded onto your card and when you have made a
purchase or cashpoint machine withdrawal. Additional SMS services will be set out on our website
when they become available. The SMS balance and activation number for registered cardholders is
07770 500500; standard mobile phone charges apply and a fee is charged for each SMS message
that we send. Please refer to the Fees and Limits table (section 34). You agree that you have
permission from the bill payer to access our SMS services.
14. How long will the Card last?
Your card will be valid for 3 years. You will not be able to use your card after its expiry date. This
agreement shall terminate when your card is cancelled or expires.
15. Does the Card have spending limits?
You can only spend the money that is prepaid onto your card. Limits also apply to daily cashpoint
machine withdrawals, and other limits may be applied to the amount of spend and the number of
transactions you can perform. See the Fees and Limits table (section 34) and our website for further
details.
If, for any reason, the transaction is completed when there are insufficient funds on your card then
you will have to reimburse the shortfall to us, unless it is due to an error by the retailer with whom
you made the transaction.
We may collect this shortfall from any card you have with us or from any funds which you
subsequently load onto your card. We may suspend your cards until the negative balance is
restored and charge you an Administration Fee (see the Fees and Limits table (section 34)) for
transactions that you make using your card that results in a negative balance or increases the
negative balance on your card.
16. What if I have been overcharged or charged for transactions I didn’t make?
We recommend that you check the balance and any recent transactions on your card regularly
through your e-account, mobile app or by contacting Customer Services.
If you dispute a transaction that has been processed on your card you should contact the merchant
first as this may lead to the quickest resolution. If the dispute cannot be resolved with the merchant
you should contact us as soon as possible and at least within 13 months of the date of the
transaction. We will refund the amount of any transactions that our investigations show were not
authorised by you, provided you have acted with reasonable care, kept your card secure, not
disclosed your PIN or security details to anyone else and not acted fraudulently. We may charge
you an Administration Fee for charging the transaction back to the retailer through the Visa system.
You may be entitled to claim a refund in relation to transactions where:
 the transaction was not authorised under this agreement;
 we are responsible for a transaction which was incorrectly executed by us; or
 a pre-authorised transaction did not specify the exact amount at the time of its authorisation
and the amount charged by a supplier is more than you could reasonably have expected,
taking into account normal spending patterns on the card or the circumstances of the
transaction. A claim for a refund in these circumstances will not be accepted if the amount of
the transaction was made available to you at least 4 weeks before the transaction date or if the
claim is made more than 8 weeks after being charged to your account.
17. What about security?
You should treat your card like cash. If it is lost or stolen, you may lose some or all of your money
on your card, in the same way as if you lost cash in your wallet or purse. Therefore, you must keep
your card safe and not let anyone else use it. You must keep your PIN secret at all times; never
disclose your PIN or security information to anyone. Security information includes your login and
password details used to access your e-account or any other website where your card details are
stored. We also recommend that you check the balance on your card regularly through your eaccount, mobile app or by contacting Customer Services.
18. What if my card is lost or stolen?
If you lose your card or it is stolen, or you suspect that someone else has found out your PIN or
password, you must tell us immediately by calling us or logging onto your e-account or mobile app
and notifying us. Your card will be cancelled immediately. We run a dedicated line for lost or stolen
cards; the number is 01756 693275 and calls are charged at the standard geographical rate. If, after
reporting a lost card, you subsequently find the card you must not use it. Cut it in half through the
signature box, magnetic strip and chip.
If you ask us to do so, and provided that you provide information and assistance that we request
from you, we will investigate any disputed transaction or misuse of your card.
If the investigations show that any disputed transaction was authorised by you, or you have acted
fraudulently or with gross negligence (for example by failing to keep your card, security details or
PIN secure or by failing to notify us without delay on becoming aware of the loss, theft,
misappropriation or unauthorised use of the card), then we will not refund the transaction amount
and will charge you a fee of up to £50 for any loss we suffer because of the use of the card. If the
investigations show that you have not acted fraudulently or with gross negligence, your maximum
loss or liability to us for any unauthorised transaction will be limited to £50 and we will refund the
amount of any transactions entered into after we receive your notification.
19. Will you ever block a transaction without me asking?
We may refuse to pay a transaction:
 if we are concerned about security of your card or e-account or we suspect your card or eaccount is being used in an unauthorised or fraudulent manner;
 if sufficient funds are not loaded on your card or e-account at the time of a transaction to cover
the amount of the transaction and any applicable fees;
 if there is negative balance on the card;
 if we have reasonable grounds to believe that you are not using the card or e-account in
accordance with these Terms & Conditions;
 if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that
a transaction is being made fraudulently); or
 because of errors, failures (whether mechanical or otherwise) or refusal to process a
transaction by merchants, payment processors or payment schemes such as Visa, BACS or
CHAPS.
If we refuse a transaction, we will tell you why immediately, if we can, unless it would be unlawful for
us to do so. You may correct any information we hold and which may have caused us to refuse a
transaction by contacting Customer Services.
20. Can I cancel my Card?
You have a legal right to cancel your card up to 14 days from the date you purchase it without
incurring any penalty and we will refund any card issue fees. We may charge you a Cancelled Card
Fee if we have already incurred costs by ordering a card in your name. You can also cancel your
card any time after the 14 day period subject to a Redemption Fee (the Fees and Limits table
(section 34)) by contacting Customer Services. You should also cut your card in half through the
signature box, magnetic strip and chip.
You will not be entitled to a refund of money you have already spent on transactions authorised, or
pending or any fees for use of the card before the Card is cancelled or expires.
21. Could my Card be cancelled?
We may cancel your card and this agreement by giving you at least 2 months’ notice. Reasons for
cancellation may include:
 if this agreement or your card expires;
 if you break an important part of this agreement, or repeatedly break the agreement and fail to
resolve the matter in a timely manner;
 if you act in a manner that is threatening or abusive to our staff, or any of our representatives;
or
 if you fail to pay fees or charges that you have incurred or fail to pay back any negative balance
on your card.
We may also cancel your card immediately if we:
 suspect fraud or misuse of your card;
 have any other security concerns; or
 need to do so to comply with the law.
If we cancel your card immediately, we will tell you as soon as we can if we are permitted to do so.
In these circumstances, you must tell us what you want us to do with any unused funds. You must
do this within 3 months of the date we tell you that your card is cancelled.
22. Can I get money back once I have put it on?
You can clear the balance on your card through spending, cashpoint machine withdrawals, or
transfers to other bank accounts. See the Fees & Limits table (section 34) for the fees that would
apply.
Alternatively, you or your organisation (if they provided you with your card) may request a refund of
the funds on your card by contacting Customer Services and confirming that your card has been
destroyed by cutting it up. We will transfer your funds back to you (or your organisation) at no cost
to you, unless:
 you are requesting redemption before termination or expiry of this agreement;
 you cancel this agreement before any agreed termination or expiry date; or
 you request redemption more than one year after the date of termination or expiry of this
agreement.
If one of these situations does apply then we will charge a Redemption Fee (see the Fees and
Limits table (section 34)).
We will not redeem the value of the funds on your card to you if your request for redemption of the
funds is more than six years after the date of termination or expiry of this agreement.
All funds will be returned to a bank account of you or your organisation that loaded the money onto
the card. We reserve the right to see proof of your (or your organisation’s) ownership of the or bank
account before transferring the funds to it. To enable us to comply with our legal obligations, we
may ask you to provide us with certain information such as identification documents before we can
process your refund request.
Please also refer to section 30 below for the circumstances in which we do not give you a refund.
23. Is money on my card protected like my bank account?
The card and associated e-account is an electronic money
regulated by the Financial Conduct Authority, it is not
Compensation Scheme. No other compensation scheme
connection with the card. We will however ensure that any
segregated account so that should we become insolvent your
made by our creditors.
product and although it is a product
covered by the Financial Conduct
exists to cover losses claimed in
funds received by you are held in a
funds will be protected against claims
24. What if I have a complaint?
If you are unhappy in any way with your card and e-account or the way it is managed, you can
contact Customer Services so we can investigate the circumstances for you. Any complaints you
have will be dealt with quickly and fairly.
If we are unable to resolve your complaint to your satisfaction you may contact the Financial
Ombudsman Service at Exchange Tower, London, E14 9SR. Telephone: 0800 023 4 567 from
landlines, 0300 123 9 123 from mobile phones or +44 20 7964 0500 for calls from outside the UK
and e-mail: [email protected].
25. What if I change my details?
You must let us know as soon as possible if you change name, address, telephone number, mobile
number or e-mail address. If we contact you in relation to your card we will use the most recent
contact details you have provided to us. Any e-mail or SMS text message sent to you will be treated
as being received as soon as it is sent by us. We will not be liable to you if your contact details have
changed and you have not told us.
26. What will happen to my personal information?
We will process and retain personal data in order to open, administer and run your card account.
We will transfer your personal data within our groups of companies and to other third parties in order
to issue a card and run your account.
We will transfer your personal data, including details of your transactions, within our group of
companies and to third parties who may distribute the card to you on our behalf, in order to carry
out, monitor and analyse our relevant business. If we transfer your information to third parties
outside the European Union we will take steps to ensure that the third party agrees to apply the
same levels of data protection that apply in the UK.
If you have agreed, we or other third parties may also contact you to let you know about services
that are of interest to you. You can contact us if you don’t want to receive any marketing materials
from us or other third parties.
We may check personal information with fraud protection agencies and other organisations and we
may get information about you from recognised agencies to verify your identity. A record of such
enquiries may be left on your file. We will tell fraud prevention agencies if you give us false or
inaccurate information and we suspect fraud.
We may monitor and/or record telephone calls we have with you to help us maintain and improve
the quality of the service we provide to you.
If you wish to obtain a copy of your personal data we hold, please contact Customer Services.
There will be a £10 Administration Fee to provide this information. We will not disclose your account
information to the additional cardholders without prior written permission from you. For further
information please see our privacy policy on our website.
27. Will these Terms & Conditions ever change?
We may change these Terms & Conditions by notifying you by e-mail or other agreed means at
least 2 months before the change is due to happen. We will assume that you agree with the change.
If you do not agree with the change you must tell us before the change happens and we will cancel
your account immediately. If you cancel your card in this way then we will return any balance on the
card to you and you will not be charged a Redemption Fee.
An up-to-date version of the card Terms & Conditions, as well as any notices of future changes will
always be available on our Website. You should check our website regularly for such notices and
changes.
28. When may use of the card be interrupted?
From time to time, your ability to use your card or e-account may be interrupted, e.g. when we carry
out maintenance. If this happens, you may be unable (a) to use your card to pay for purchases or
obtain cash from cashpoint machines and/or (b) to obtain information about the funds available in
your card and/or about your recent transactions.
In addition, like other payment cards, we cannot guarantee a merchant will accept your card, or that
we will necessarily authorise any particular transaction. This may be because of a systems problem,
something outside our reasonable control, to comply with legal and regulatory requirements, or
because we have suspended, restricted or cancelled your card or refused to replace it in
accordance with these Terms & Conditions.
29. What is our responsibility?
If we incorrectly deduct funds from your card, we will refund them. If unauthorised transactions
occur after you have notified us of the loss, theft or unauthorised use of your card, and you have not
acted fraudulently or in breach of these Terms and Conditions, then we will be liable.
We will not be liable:
 in any event that a merchant refuses to accept your card;
 for refusing to authorise a transaction;
 for cancelling or suspending use of your card;
 for any loss arising from your inability to use your card or access your e-account due to
interruptions of your ability to use your card or e-account;
 for any direct or indirect loss or damage you may suffer including loss of revenue, goodwill,
opportunity or anticipated savings as a result of your total or partial use or inability to use
your card, mobile app or e-account or the use of your card, mobile app or e-account by any
third party (unless otherwise required by law);
 for the quality, safety, legality or any other aspect of any goods or services purchased with
your card.
For the SMS services we offer, we are not responsible for lost, late or undelivered text messages,
notifications or communications. We accept no responsibility for any technical, computer, online,
telephone, cable, electronic, software, hardware, transmission, connection, internet, website or
other access issue which may hinder your ability to access the SMS services.
30. When can I be charged (other than the fees in section 34)?
We may charge you for any reasonable costs that we incur in taking action to stop you using this
card and to recover any monies owed as a result of your activities if you:
 use your card or e-account fraudulently;
 do not use your card or e-account in accordance with these Terms & Conditions; or
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have been grossly negligent, for example by failing to keep your card or PIN secure or by
failing to notify us without delay after your card is lost, stolen, or used by someone else.
In these circumstances we will not refund transactions and we reserve the right to charge you for
any reasonable costs that we incur in taking action to stop you using your card and to recover any
monies owed as a result of your activities.
If you have not been fraudulent, or grossly negligent, and have used your card in accordance with
these Terms & Conditions, your maximum liability for any unauthorised transactions before you
notify us will be £50.
31. Who is the data controller?
Contis Financial Services Limited is a data controller of your personal data and will always process
your personal data in accordance with the Data Protection Act 1998.
32. Can I assign my rights or obligations under these Terms and Conditions?
You may not transfer or assign any rights or obligations you may have under these Terms &
Conditions to any other person without our prior written consent. We may assign the benefit and
burden of these Terms & Conditions to any other person at any time on giving you two months prior
notice of this. If we do this, your rights will not be affected.
33. Governing law
This Agreement is concluded in English. All communications with you will be in English. These
Terms & Conditions will be construed in accordance with English law and the exclusive jurisdiction
of the English courts.
34. What are the fees and limits?
Fees and Charges
Value
Comments
Valid
Card Fee
36 months
Free
Must load at least £100, otherwise £5 charge.
Additional Card
Replacement Card or 2nd
additional card
Monthly Management Fee
(Primary Card)
Monthly Management Fee
(additional cards)
Delivery times
TRANSACTIONS/PURCHASES
UK purchases
European purchases
Free
£5.00
International purchases
2.5%*
ATM UK +
(Cashpoint)
ATM Europe +
£0.75
Free
Free
Within 10 working days
Free
2%*
2%*
*Any transaction in a foreign currency will be
converted into pounds. We'll do this at the rate
of exchange provided by Visa Europe on the date
the money leaves your account. See more
information on exchange rates on the Visa
Website.
Additional fee of £1 applies if less than £100 is
(Cashpoint)
ATM International +
(Cashpoint)
LOADING FEES
Load – Internet banking
Load - Bank Transfer
2.5%*
Free
Free
withdrawn.
Additional fee of £1 applies if less than £100 is
withdrawn.
Add funds to your Seasons account by bank
transfer from a UK bank account.
Debit card load
TRANSFER FEES
Future dated transfer from
account
Next day transfer from
Seasons account
Same day transfer from
Seasons account
Free
For loads of £250 or above (£0.50 if less).
Free
Transfer money to a UK bank account in three
working days.
Transfer money to a UK bank account on the
next working day.
Transfer money to a UK bank account on the
same day, some restrictions may apply.
International transfer
regular
International transfer
urgent
OTHER FEES
SMS Alerts
Email Alerts
Call costs to Customer
Services
Statements paper (per 62
days)
Statements online (per 62
days)
Personal details check
Purchase decline
ATM decline
Redemption fee
Inactivity/dormancy fee
ATM Balance Enquiry
ATM PIN Change (UK only)
Application cancellation
Transaction history, contact
us, notify lost & stolen
online
Standing order setup fee
ADMINISTRATION FEES
Dispute fee
£20.00
Transaction revocation
£10.00
£3.00
£15.00
£28.00
Transfer money to a foreign bank account within
5-7 working days.
Transfer money to a foreign bank account within
3-5 working days.
£0.05
Free
Standard rate
£1.50
Must opt in - see your account.
Free
Free
Free
Free
£2.00
Free
£0.10
Free
£2.00
Free
Free
£10.00
This applies where you request us to chargeback
a transaction through the Visa system.
This fee may be charged when an authorised
transaction (due to be made at a future date) is
cancelled.
Data subject access request
Shortfall transaction fee
£10.00
£10.00
LIMITS
Min single load
Max daily withdrawal
Maximum balance
£10.00
£300.00
£5,000
Where a transaction is undertaken by the
cardholder which results in a shortfall on the
account.
Notes to fees and limits:
+ some ATM providers may charge an additional fee and should advise you before you confirm the
transaction.
** standard operator SMS charges apply for balance requests and additional charges may apply to
receive SMS information outside the UK.